Powering the Next Generation of Fleet Expense Management

Revolutionizing mobility payments

Extend your fleet and mobility offering by adopting open-loop cards with digital tools to control payments and expenses.

Businesses can leverage enhanced data insights and automated data capture to enforce policies and controls with ease, ensuring the flexibility needed for modern fleet operations.

Mobile UX &

easy reconciliation

Enhanced data

Cloud native

and API driven

Virtual and

physical cards

Card spend
controls

Universal

acceptance

Mobile UX &

easy reconciliation

Enhanced data

Cloud native

and API driven

Virtual and

physical cards

Card spend
controls

Universal

acceptance

Mobile UX &

easy reconciliation

Enhanced data

Cloud native

and API driven

Virtual and

physical cards

Card spend
controls

Universal

acceptance

Mobile UX &

easy reconciliation

Enhanced data

Cloud native

and API driven

Virtual and

physical cards

Card spend
controls

Universal

acceptance

Mobility Cards-as-a-Service,

we bring all the pieces

We connect underlying systems and partners to deliver a best-in-class commercial card solution under your brand name. With our innovative white-label spend management solutions, including open-loop cards, we cater to the dynamic needs of modern mobility.

Our platform empowers fleet operators and service providers to streamline expenses, boost operational efficiency, and provide seamless payment experiences across diverse categories.

Enhanced mobility experience

Features that will help your customers work smarter

Web application

Flexible organisation overview: 


Manage fleet manager and driver permissions

Mobile application

Manage expenses on the go in real-time

Mobile application

Manage expenses on the go in real-time

Mobile application

Manage expenses on the go in real-time

Mobile application

Issue and tokenize virtual cards in the app for emergency repair

Mobile application

Issue and tokenize virtual cards in the app for emergency repair

Mobile application

Issue and tokenize virtual cards in the app for emergency repair

Web application

Extensive and granulated spend controls on fuel cards

Mobile application

Global overview of drivers spending

Mobile application

Global overview of drivers spending

Mobile application

Global overview of drivers spending

Web application

Intuitive approval flows and swiftly manage expenses

Web application

Intuitive approval flows and swiftly manage expenses

Web application

Intuitive approval flows and swiftly manage expenses

Moobile application

Full fleet manager overview of active cards

Moobile application

Full fleet manager overview of active cards

Moobile application

Full fleet manager overview of active cards

Web application

Push notifications and messaging

Web application

Push notifications and messaging

Web application

Push notifications and messaging

Web application

Multiple export options

  • Export as Excel

  • Export in csv

  • Open API

  • Directly integration to multiple ERP’s

  • Export as Excel

  • Export in csv

  • Open API

  • Directly integration to multiple ERP’s

Expand relationships, attract new customers, and boost revenue

Get the right fit-for-purpose solutions, expand payment options and advance secure payment digitization

Expand acceptance and increase spend authority

Widening your acceptance, provide flexibility, and increase performance of card programs with expanded data categories and advanced payment technologies

Real-time digital card and spend control

Advanced expense management

Future proven, scalable and transformative

Expand acceptance and increase spend authority

Widening your acceptance, provide flexibility, and increase performance of card programs with expanded data categories and advanced payment technologies

Real-time digital card and spend control

Advanced expense management

Future proven, scalable and transformative

The choice is yours

Our flexible, modular platform lets you tailor your approach—launch a complete spend management solution or start small with a card or expense management white-label solution, perfectly customized to meet your needs.

Card management

With card management, you can introduce many of the services found in traditional bank branch offices, but in a real-time environment managed by the company.

Find out more

Expense management

The expense management service delivers a real-time overview of all corporate expenses. All company card transactions and reimbursements for employees are automatically collected and presented through the solution.

Find out more

How we work with card networks

Card networks are essential and invaluable partners to Cardlay. We are network-agnostic and collaborate closely with them to meet the needs of our joint commercial clients.


Reach out to learn more about how we can leverage your chosen network to enhance your customer offering.

Why should you work with Cardlay?

Our white-label platform enables you to expand your offering and deliver a superior mobility payment experience to your customers.
From virtual card issuance to real-time data integration, our technology empowers you to stay ahead in the evolving fleet and mobility landscape.

Ready to transform fleet payments and management?

Frequently asked questions

We know fintech can be a bit tricky at times, so we’ve made it easy for you by answering the most common questions right here—clear, simple, and just for you!

Why should I launch an open-loop fleet card?

What about my current card program?

Does Cardlay support both virtual and physical cards?

Can I get the enhanced data and granulated product codes that I get today?

What is spend management?

Why should we choose Cardlay over others?

Get Cardlay now?

Ready to transform your spend management to the next level?
Reach out. We are here to help.

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solutions catering for both SMEs and global enterprises.

Odense office

Kochsgade 31D, 3 • DK-5000 Odense C

Copenhagen office

Langebrogade 4 • DK-1411 København K

• VAT no DK37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team

Get Cardlay now?

Ready to transform your spend management to the next level?
Reach out. We are here to help.

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solutions catering for both SMEs and global enterprises.

Odense office

Kochsgade 31D, 3 • DK-5000 Odense C

Copenhagen office

Langebrogade 4 • DK-1411 København K

• VAT no DK37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team

Get Cardlay now?

Ready to transform your spend management to the next level?
Reach out. We are here to help.

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solutions catering for both SMEs and global enterprises.

Odense office

Kochsgade 31D, 3 • DK-5000 Odense C

Copenhagen office

Langebrogade 4 • DK-1411 København K

CVR. 37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team

Get Cardlay now?

Ready to transform your spend management to the next level?
Reach out. We are here to help.

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solutions catering for both SMEs and global enterprises.

Odense office

Kochsgade 31D, 3 • DK-5000 Odense C

Copenhagen office

Langebrogade 4 • DK-1411 København K

• VAT no DK37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team